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Is there really a credit card that guarantees approval?

Valued Contributor

Re: Is there really a credit card that guarantees approval?

I know 2 credit unions here in my city that guarantee secured cards with no credit check and they still report as well. BUT to increase the CL by adding money they SP you.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

New Contributor

Re: Is there really a credit card that guarantees approval?

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.

EQ FICO 695 (4/26/2012)
TU FAKO CK 723
Lender Pulls (for mortgage) 12/03/2012 - 698 EQ, 729 TU, 721 EX
Business Cards: Discover Business Miles and US Bank FlexPerks Cash Rewards
Personal Cards: Capital One, Chase Freedom, Chase Amazon, Wells Fargo Rewards, Amex Zync NPSL, Target, Chevron/Texaco Store Card and VISA, CareCredit
Valued Contributor

Re: Is there really a credit card that guarantees approval?


baronofthenorth wrote:

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.


i bet that can be aggrevating....what reasons they give you?

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Established Contributor

Re: Is there really a credit card that guarantees approval?


tboy1977 wrote:

But at what cost with Open Sky?  BofA sucks......still no letter of denial from BankofAmerica


The annual fee is $50... but it reports to all 3 credit bureus.

 

Valued Member

Re: Is there really a credit card that guarantees approval?

Digital Federal Credit Union (DCU) has a secured card that reports to all three CRAs with no AF!

https://www.dcu.org/prodserv/ccards/visa-secured.html

 

Before applying, you must first join DCU by opening a share (savings) account. You must qualify to join DCU, but you can do so by donating/"joining" a partner non-profit for a very small amount. Or maybe you could call and ask if they would process your application first.

Super Contributor

Re: Is there really a credit card that guarantees approval?

I got denied for the capital one secured card, that one hurt. Lol. Then a few months later they approved me for a $3,000 CL and the only thing that changed on my report was more inquiries. Lol.


New Contributor

Re: Is there really a credit card that guarantees approval?


j_casteel wrote:

baronofthenorth wrote:

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.


i bet that can be aggrevating....what reasons they give you?


Multiple reasons at the time.  Too few accounts, past baddies, thin file (short credit history).  2nd time was more of the same, but with a longer history and maybe 1 baddie (4+ years old) at the time.

EQ FICO 695 (4/26/2012)
TU FAKO CK 723
Lender Pulls (for mortgage) 12/03/2012 - 698 EQ, 729 TU, 721 EX
Business Cards: Discover Business Miles and US Bank FlexPerks Cash Rewards
Personal Cards: Capital One, Chase Freedom, Chase Amazon, Wells Fargo Rewards, Amex Zync NPSL, Target, Chevron/Texaco Store Card and VISA, CareCredit
Highlighted
New Member

Re: Is there really a credit card that guarantees approval?

Old friend of mine got approved for a first premier card with at least a dozen collections this is all comes with high fees but its something